+91-22-4891390910 Best SIP Plans for 10, 20 Year Investment 2026
“What if I told you that Investing just ₹10,000 a month could potentially help you build a corpus of nearly ₹1 crore over the long term? That's the power of a SIP — but only if you choose the right fund and stay invested through market ups and downs.”
In India, SIP investing has transformed the way people build wealth. Monthly SIP contributions now regularly exceed ₹30,000 crore, and millions of investors are using SIPs to achieve goals such as retirement, children's education, home ownership and financial independence.
But here's the challenge - with hundreds of Mutual Funds available, choosing the Top SIP plan for a long-term investment can be confusing. Many investors end up selecting funds based purely on recent returns, only to discover later that long-term wealth creation requires much more than chasing last year's winners.
If your investment horizon is 10–20 years, you're in the ideal zone for compounding to work its magic. Over long periods, even modest monthly investments can potentially grow into a substantial corpus, helping you achieve major life goals while staying ahead of inflation.
In this article, we'll analyse some of the Best SIP Plans for long-term investing so whether you're starting your first SIP or looking to optimise an existing Portfolio, this guide will help you make more informed long-term investment decisions.
What is a SIP?
A Systematic Investment plan (SIP) is a disciplined way of investing in Mutual Funds, where you contribute a fixed amount every month (as low as ₹500). Instead of worrying about timing the market, SIPs average out your cost and let your money grow consistently over time.
For long-term goals (10–20 years), SIPs work best because they combine:
- Compounding → reinvesting returns to multiply wealth
- Rupee Cost Averaging (RCA) → reducing risk of Volatility
- Affordability → start small, scale later
- Discipline → automatic, hassle-free investing
Why SIPs Work Best for 10–20 Years
1. Power of Compounding – The Real Wealth Builder
Compounding is like a snowball effect — the longer your money stays invested, the larger it grows. The “interest on interest” accelerates wealth creation in the later years.
Example:
- Invest ₹5,000/month for 10 years at 12% annualised return → ₹5 lakh principal grows to ₹11.6 lakh.
- Keep going for 20 years → ₹12 lakh principal grows to ₹49 lakh + That’s over 4x growth simply by giving your money more time.
This is why SIPs are most powerful when held for at least 15–20 years.
2. Rupee Cost Averaging (RCA) – Your Shield Against Timing the Market
Nobody can perfectly predict market highs and lows. With SIPs, you don’t have to.
- When markets are high → you buy fewer units.
- When markets fall → you buy more units at cheaper prices.
Over time, your purchase price averages out, reducing the “wrong entry” risk. This is especially valuable in volatile markets like India’s, where short-term ups and downs can scare investors.
Example: A lump sum investor in Jan 2020 (before COVID crash) would have panicked. But an SIP investor kept buying through the crash and the rebound, benefiting from low prices.
Talk to our investment specialist
3. Affordability & Flexibility – Investing Fits Your Budget
Unlike lump sum investments, SIPs are designed for affordability. You can start small (₹500 or ₹1,000/month) and step up later as your income grows.
Example: Many professionals begin with ₹2,000/month SIPs in their 20s and later raise it to ₹10,000–₹15,000/month in their 30s. This step-up strategy can increase your final corpus by 30–40% without straining your budget.
Flexibility features like pausing SIPs during emergencies or switching funds make it beginner-friendly.
4. Reduced Emotional Bias – Discipline Wins the Game
One of the biggest enemies of wealth creation is human behaviour. We tend to:
- Invest more when markets are booming (FOMO).
- Panic sell when markets crash.
SIPs automate discipline. Since the money is auto-debited every month, you continue investing regardless of market noise. This ensures you buy in both good and bad times, and avoid destructive emotional decisions.
Example: Investors who continued SIPs even during the 2008 crisis saw massive wealth creation by 2018 because they bought at rock-bottom prices.
✅ In short: SIPs work best in 10–20 years because they combine compounding, discipline, affordability, and risk-averaging — qualities no other investment vehicle offers in such a balanced way.
Risks of Investing Through SIPs
While SIPs help reduce timing risk, they do not eliminate investment risk. Investors should remember:
- Mutual fund returns are not guaranteed
- Equity Funds can experience temporary declines during market corrections
- Poor fund selection can impact long-term returns
- Stopping SIPs during market downturns may significantly reduce wealth creation potential
A SIP is only a method of investing. The quality of the underlying mutual fund remains equally important.
Why Long-Term SIP Investing Looks Attractive
India continues to be one of the fastest-growing major economies in the world. Several long-term trends are supporting wealth creation opportunities for disciplined investors:
- Growing middle-class income and consumption
- Rapid expansion of digital payments and fintech
- Manufacturing growth through government initiatives
- Rising retail participation in equity markets
- Record SIP contributions from Indian investors
- Emerging sectors such as AI, renewable energy, defence, semiconductors and EVs
While markets may witness short-term volatility, these structural growth drivers make long-term SIP investing an attractive option for investors with a 10–20 year horizon.
Best SIP Plans for 10–20 Years in 2026
Fund Selection Methodology used to find 10 funds
Best SIP Plans for 10, 20 Year Investment
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) ICICI Prudential Infrastructure Fund Growth ₹204.32
↑ 1.07 ₹8,351 100 3.8 5.4 2.5 20.9 23.3 6.7 SBI PSU Fund Growth ₹34.4616
↑ 0.11 ₹6,594 500 -3.5 0.6 6.6 25.6 23.1 11.3 LIC MF Infrastructure Fund Growth ₹54.4288
↑ 0.08 ₹1,099 1,000 7.8 13.3 7.7 25.5 22.8 -3.7 SBI Gold Fund Growth ₹41.0269
↑ 0.16 ₹16,533 500 -7.2 -1.6 42.4 31.8 22.5 71.5 DSP India T.I.G.E.R Fund Growth ₹361.615
↑ 1.23 ₹6,019 500 8.5 16.7 12.9 23.8 22.4 -2.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Jul 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential Infrastructure Fund SBI PSU Fund LIC MF Infrastructure Fund SBI Gold Fund DSP India T.I.G.E.R Fund Point 1 Upper mid AUM (₹8,351 Cr). Lower mid AUM (₹6,594 Cr). Bottom quartile AUM (₹1,099 Cr). Highest AUM (₹16,533 Cr). Bottom quartile AUM (₹6,019 Cr). Point 2 Established history (20+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (14+ yrs). Oldest track record among peers (22 yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (lower mid). Not Rated. Rating: 2★ (bottom quartile). Top rated. Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 23.34% (top quartile). 5Y return: 23.12% (upper mid). 5Y return: 22.85% (lower mid). 5Y return: 22.48% (bottom quartile). 5Y return: 22.44% (bottom quartile). Point 6 3Y return: 20.87% (bottom quartile). 3Y return: 25.60% (upper mid). 3Y return: 25.50% (lower mid). 3Y return: 31.84% (top quartile). 3Y return: 23.76% (bottom quartile). Point 7 1Y return: 2.54% (bottom quartile). 1Y return: 6.60% (bottom quartile). 1Y return: 7.66% (lower mid). 1Y return: 42.41% (top quartile). 1Y return: 12.85% (upper mid). Point 8 Alpha: 0.00 (lower mid). Alpha: 0.16 (upper mid). Alpha: 4.51 (top quartile). 1M return: -6.28% (bottom quartile). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: 0.00 (bottom quartile). Sharpe: 0.26 (bottom quartile). Sharpe: 0.26 (lower mid). Alpha: 0.00 (bottom quartile). Sharpe: 0.48 (upper mid). Point 10 Information ratio: 0.00 (upper mid). Information ratio: -0.02 (bottom quartile). Information ratio: 0.55 (top quartile). Sharpe: 1.93 (top quartile). Information ratio: 0.00 (bottom quartile). ICICI Prudential Infrastructure Fund
SBI PSU Fund
LIC MF Infrastructure Fund
SBI Gold Fund
DSP India T.I.G.E.R Fund
All the funds mentioned above are ideal, we are giving you detailed analysis of 5 funds.
To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. Research Highlights for ICICI Prudential Infrastructure Fund Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. Research Highlights for SBI PSU Fund Below is the key information for SBI PSU Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on 1. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (15 Jul 26) ₹204.32 ↑ 1.07 (0.53 %) Net Assets (Cr) ₹8,351 on 31 May 26 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹11,534 30 Jun 23 ₹16,346 30 Jun 24 ₹27,296 30 Jun 25 ₹28,743 30 Jun 26 ₹29,425 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Jul 26 Duration Returns 1 Month 1.6% 3 Month 3.8% 6 Month 5.4% 1 Year 2.5% 3 Year 20.9% 5 Year 23.3% 10 Year 15 Year Since launch 15.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 27.4% 2023 44.6% 2022 28.8% 2021 50.1% 2020 3.6% 2019 2.6% 2018 -14% 2017 40.8% 2016 2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 9.08 Yr. Sharmila D’mello 30 Jun 22 4.01 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 May 26
Equity Sector Allocation
Sector Value Industrials 47.57% Financial Services 10.57% Utility 10.32% Basic Materials 9.74% Real Estate 8.09% Energy 5.04% Consumer Cyclical 1.98% Communication Services 0.09% Asset Allocation
Asset Class Value Cash 5.83% Equity 94.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO9% ₹745 Cr 1,691,985
↑ 50,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT7% ₹614 Cr 1,505,704 Oberoi Realty Ltd (Real Estate)
Equity, Since 31 May 23 | OBEROIRLTY4% ₹365 Cr 2,139,426 Gujarat Energy Ltd (Utilities)
Equity, Since 31 Jan 23 | GUJGASLTD4% ₹340 Cr 8,482,024
↑ 156,557 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | NTPC4% ₹334 Cr 8,626,448 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | SHREECEM3% ₹270 Cr 106,892
↑ 3,387 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹262 Cr 2,005,608 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹258 Cr 572,697 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK3% ₹250 Cr 3,357,506
↑ 1,057,506 Container Corporation of India Ltd (Industrials)
Equity, Since 31 Jan 16 | CONCOR3% ₹227 Cr 4,885,153 2. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (15 Jul 26) ₹34.4616 ↑ 0.11 (0.31 %) Net Assets (Cr) ₹6,594 on 31 May 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.26 Information Ratio -0.02 Alpha Ratio 0.16 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹9,973 30 Jun 23 ₹13,609 30 Jun 24 ₹26,792 30 Jun 25 ₹26,602 30 Jun 26 ₹28,255 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Jul 26 Duration Returns 1 Month -1.2% 3 Month -3.5% 6 Month 0.6% 1 Year 6.6% 3 Year 25.6% 5 Year 23.1% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2025 11.3% 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 2.08 Yr. Data below for SBI PSU Fund as on 31 May 26
Equity Sector Allocation
Sector Value Financial Services 32.54% Utility 31.22% Industrials 14.07% Energy 11.97% Basic Materials 6.94% Asset Allocation
Asset Class Value Cash 3.18% Equity 96.74% Debt 0.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN17% ₹1,112 Cr 11,527,500
↑ 1,000,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | GAIL10% ₹628 Cr 38,150,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | NTPC9% ₹597 Cr 15,443,244 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹583 Cr 14,185,000
↑ 800,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | POWERGRID9% ₹579 Cr 19,935,554 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | ONGC6% ₹389 Cr 14,655,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | BANKBARODA5% ₹352 Cr 13,100,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | BPCL4% ₹289 Cr 9,700,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Jun 25 | BHEL4% ₹271 Cr 6,500,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | NMDC4% ₹245 Cr 27,900,000 3. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (15 Jul 26) ₹54.4288 ↑ 0.08 (0.15 %) Net Assets (Cr) ₹1,099 on 31 May 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.26 Information Ratio 0.55 Alpha Ratio 4.51 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹11,137 30 Jun 23 ₹14,179 30 Jun 24 ₹26,268 30 Jun 25 ₹26,896 30 Jun 26 ₹29,151 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Jul 26 Duration Returns 1 Month 1% 3 Month 7.8% 6 Month 13.3% 1 Year 7.7% 3 Year 25.5% 5 Year 22.8% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.7% 2024 47.8% 2023 44.4% 2022 7.9% 2021 46.6% 2020 -0.1% 2019 13.3% 2018 -14.6% 2017 42.2% 2016 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Sumit Bhatnagar 7 Apr 26 0.23 Yr. Mahesh Bendre 1 Jul 24 2 Yr. Data below for LIC MF Infrastructure Fund as on 31 May 26
Equity Sector Allocation
Sector Value Industrials 37.05% Consumer Cyclical 20.88% Basic Materials 12.42% Utility 11.88% Communication Services 5.02% Financial Services 3.98% Real Estate 1.97% Health Care 1.89% Technology 1.08% Asset Allocation
Asset Class Value Cash 3.82% Equity 96.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT4% ₹44 Cr 106,968
↓ -10,884 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹40 Cr 65,325
↓ -7,684 Tata Motors Passenger Vehicles Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | TMPV4% ₹39 Cr 982,891
↓ -332,760 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV4% ₹39 Cr 1,015,933
↑ 26,983 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | TATAPOWER3% ₹36 Cr 861,040
↑ 524,312 KSH International Ltd (Industrials)
Equity, Since 31 Dec 25 | KSHINTL3% ₹34 Cr 432,816
↑ 6,280 Siemens Energy India Ltd (Utilities)
Equity, Since 31 Aug 25 | ENRIN3% ₹34 Cr 87,106
↑ 24,800 JSW Infrastructure Ltd (Industrials)
Equity, Since 30 Apr 26 | JSWINFRA3% ₹31 Cr 1,133,858
↑ 745,681 Carraro India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 24 | CARRARO3% ₹31 Cr 572,991 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jan 26 | BDL3% ₹29 Cr 242,954
↑ 157,744
SIP Calculator Example: 10 vs 20 Years
| SIP Amount | Duration | Expected Returns (12% CAGR) | Final Corpus |
|---|---|---|---|
| ₹5,000/month | 10 years | ~₹11.6 lakh | ~₹11.6 lakh |
| ₹5,000/month | 20 years | ~₹49 lakh | ~₹49 lakh |
| ₹10,000/month | 20 years | ~₹98 lakh | ~₹98 lakh |
Insight: Doubling your time horizon (10 → 20 years) multiplies wealth 4X, thanks to compounding.
SIP vs Step-Up SIP: Which Creates More Wealth?
Many investors increase their income over time but continue investing the same SIP amount. A Step-Up SIP helps solve this problem.
Regular SIP
- SIP Amount: ₹10,000/month
- Duration: 20 Years
- Assumed Return: 12%
- Approx Corpus: ₹99 lakh
Step-Up SIP
- Starting SIP: ₹10,000/month
- Annual Increase: 10%
- Duration: 20 Years
- Assumed Return: 12%
- Approx Corpus: ₹2 Crore+
A Step-Up SIP allows your investments to grow alongside your income and can significantly increase long-term wealth creation.
Taxation of SIP Investments (Latest Rules)
Equity Mutual Fund SIPs
- Short-Term Capital Gains (holding period below 12 months): 20%
- Long-Term Capital Gains (holding period above 12 months): 12.5%
- LTCG tax applies only on gains exceeding ₹1.25 lakh in a financial year.
Debt Mutual Fund SIPs
- For most debt mutual funds purchased after April 2023, gains are taxed according to the investor's income tax slab rate regardless of holding period.
ELSS Mutual Funds
- Eligible for tax deduction up to ₹1.5 lakh under Section 80C.
- Lock-in period: 3 years.
Tax laws may change through future Union Budgets. Investors should verify the latest taxation rules before redeeming investments.
Who Should Invest in SIPs for 10–20 Years?
Salaried professionals planning retirement
Parents planning for children’s higher education or marriage
Young investors aiming for ₹1 crore+ corpus
Anyone who wants disciplined, long-term wealth creation
❌ Not suitable for those looking for short-term or guaranteed returns.
How Much SIP Is Required to Become a Crorepati?
The amount required depends on your investment duration and the returns generated.
| Monthly SIP | Time Period | Assumed Return | Approx Corpus |
|---|---|---|---|
| ₹5,000 | 30 Years | 12% | ₹1.75 Crore |
| ₹7,500 | 25 Years | 12% | ₹1.28 Crore |
| ₹10,000 | 20 Years | 12% | ₹99 Lakh |
| ₹15,000 | 20 Years | 12% | ₹1.49 Crore |
| ₹20,000 | 20 Years | 12% | ₹1.99 Crore |
The actual returns may differ from these illustrations and are not guaranteed.
The Real Cost of Delaying a SIP
Consider two investors:
Investor A
- Starts investing at age 25
- SIP Amount: ₹5,000/month
- Investment Duration: 25 Years
Investor B
- Starts investing at age 35
- SIP Amount: ₹5,000/month
- Investment Duration: 15 Years
Assuming a 12% annual return:
- Investor A builds approximately ₹94 lakh.
- Investor B builds approximately ₹25 lakh.
The lesson is simple: time in the market often matters more than timing the market.
Expert Tips Before Investing
- Ensure your SIP investments align with your risk profile, Financial goals and overall Asset Allocation strategy
- Always check fund expense ratio.
- Consider SIPs for disciplined global investing.
- Track global economic news (US Fed, China GDP, oil prices).
- Avoid chasing short-term returns — treat them as long-term wealth creators.
How to Invest in Mutual Fund SIP Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
Final Thoughts
SIPs are the most reliable way to build long-term wealth in India. With just ₹500–₹5,000 per month, you can achieve major life goals in 10–20 years. Use Indian equity SIPs as your core portfolio and add a small allocation to International Mutual Funds for diversification. In 2026, with rising global themes (AI, EVs, clean energy), and India’s growth story, SIPs remain the smartest way to participate in wealth creation.
FAQs
Q1. Which SIP is best for 20 years in India?
A: Large cap, flexi cap, and ELSS equity funds are best for long horizons.
Q2. Can I become a crorepati by SIP?
A: Yes. A ₹10,000 SIP for 20 years at 12% CAGR can grow to nearly ₹1 crore.
Q3. What is the minimum amount to start a SIP?
A: You can start with ₹500/month, some AMCs allow even ₹100/month.
Q4. Which SIPs are tax-saving?
A: ELSS (Equity Linked Savings Schemes) qualify for Section 80C deduction.
Q5. Should I stop my SIP during market crashes?
A: No. Continuing SIPs during downturns buys more units at lower prices.
Q6. Is a SIP safe for 20 years?
A: A SIP invests in market-linked mutual funds and therefore carries market risk. However, a longer investment horizon has historically helped reduce the impact of short-term volatility.
Q7. Can I increase my SIP amount later?
A: Yes. Investors can increase, decrease, pause or start additional SIPs depending on their financial goals and income growth.
Q8. What happens if I miss a SIP payment?
A: Missing a SIP instalment generally does not attract penalties from the mutual fund. However, repeated failures may lead to SIP cancellation by the fund house.
Q9. Which mutual fund category is best for a 20-year SIP?
A: Flexi Cap Funds, Large & mid cap funds, Index Funds and Diversified Equity Funds are commonly preferred for long-term wealth creation.
Q10. Should I invest in one SIP or multiple SIPs?
A: Many investors prefer multiple SIPs across different fund categories to improve diversification and reduce concentration risk.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2026 Shepard Technologies Private Limited. All Rights Reserved
Well explanation with indepth details.very inspirational information for investment in MF. Thanks.
Great! Informative SIP Thread. Very well covered and presented.